Retirement Insights Blog

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Gary-WWe started our blog, Retirement Insights, because we feel passionately that you should never invest in a financial product without understanding exactly what you’re getting. Here, you’ll find insightful and easy-to-understand articles about retirement planning, and investment tips and financial advice for retirees. We work hard to make sure that our blog can be your resource for finding solutions to real-life problems you might encounter during retirement.

Written by our Retirement Insights Specialist, Gary W., the below articles are here for you to explore. We update our blog with multiple new posts per week, so there’s always something new to learn.

Here’s what you should have already done to get ready for retirement at 50

Mar 27, 2018

Some people plan for retirement all their lives. But many Americans do little or no planning for retirement. In fact, for some, the first real discussion of retirement comes when they go to see a financial planner a month before retirement. A good financial planner will tell you it’s never too early to start retirement…

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5 Retirement Tips for Couples

Mar 5, 2018

Finances can put enormous pressure on a marriage. Perhaps that’s the reason so many couples don’t find the time to discuss money. Many financial planners have shared stories with me about the issues that can result when couples don’t sit down regularly and discuss finances. Those issues can take an entirely new set of problems…

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Three Retirement Tips for the New Year

Jan 26, 2018

As we get further into the new year, our thoughts need to be on more than just last year’s taxes. We should also be thinking about what we need to do to make our retirement the best it can be – whether we’re already retired or getting ready for the big event. As I say…

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fixed, deferred annuity

Purchasing a Fixed, Deferred Annuity in an IRA Can Help You Manage RMDs in Retirement

Jun 17, 2016

Some financial planners will advise you never to do this because it’s redundant, but there are times when it might be beneficial, especially when it comes to managing your required minimum distributions later on. Before you write off purchasing an annuity in an IRA, you should consider how it could impact you for the life of your IRA.

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2016 Federal Reserve Bond Interest Rates

What the 2016 Federal Reserve Bond Interest Rates May Mean for Fixed Annuities in the Long Term

May 23, 2016

Insurance companies are able to set a pre-determined interest rate and even go as far as to guarantee it. One way insurance companies make these guarantees is through the bond market and the interest rates that the Federal Reserve sets on their government bond offerings.

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Addressing the Bipartisan Budget Act of 2015 Pension Changes With Supplemental Retirement Annuities

May 10, 2016

We’ve received an increasing number of calls from clients over the past year worried about funding their retirement after their employer either significantly scaled back the corporate pension plan or eliminated it altogether. For a long time, corporate pension programs were a major source of retirement funding for employees all over the United States. These pension programs would allow the company to finance their employees’ retirement through regular payments, much like in an individually owned annuity.

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Five Things That Can Wreck Your Retirement

May 2, 2018

It’s not uncommon these days for retirement to last as long (if not longer) than our working careers. That means it’s critically important to make the right decisions because a few mistakes or missteps could eat into our retirement savings. And that’s a problem since most of us haven’t saved enough to begin with. Nearly…

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Planning for Health Care expenses in Retirement

Jun 26, 2017

What’s the best way to wreck your retirement budget? How about unexpected medical expenses? Ask any financial planner and, he or she will likely say that most couples are not prepared for the financial disruption that could come with an expected or catastrophic illness. Twenty-eight percent of Americans said their greatest fear in retirement is…

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Is it Smart to Borrow From Your 401(k)

Aug 25, 2017

According to the National Bureau of Economic Research, in 2015, 20 percent of Americans have an  outstanding loan balance on their 401(k) and 37 percent have had loans in the past five years. Ten percent of those borrowers defaulted and a whopping 86 percent of borrowers left their company with an outstanding balance, according to…

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Biggest Mistakes Couples Make

Jan 11, 2017

A successful marriage is all about communication. So, it make sense that the same can be said about a successful retirement. Retirement planning is tough enough, but when it comes to couples some of the biggest mistakes can be related to the lack of communications, according to the financial planners surveyed for the 2015 Fidelity…

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Retired and loving it. What did they do right?

Apr 27, 2018

Another day, another 10,000 Baby Boomers will turn 65 (according to the Pew Research Center.) Some have been waiting anxiously for years for that big day when they can walk away from that 9 to 5. Others will go into retirement kicking and screaming. Even those who have been anxiously awaiting retirement for years are…

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5 Retirement Tips for Couples

Mar 5, 2018

Finances can put enormous pressure on a marriage. Perhaps that’s the reason so many couples don’t find the time to discuss money. Many financial planners have shared stories with me about the issues that can result when couples don’t sit down regularly and discuss finances. Those issues can take an entirely new set of problems…

>> Read Full Story

Five Things That Can Wreck Your Retirement

May 2, 2018

It’s not uncommon these days for retirement to last as long (if not longer) than our working careers. That means it’s critically important to make the right decisions because a few mistakes or missteps could eat into our retirement savings. And that’s a problem since most of us haven’t saved enough to begin with. Nearly…

>> Read Full Story

Here’s what you should have already done to get ready for retirement at 50

Mar 27, 2018

Some people plan for retirement all their lives. But many Americans do little or no planning for retirement. In fact, for some, the first real discussion of retirement comes when they go to see a financial planner a month before retirement. A good financial planner will tell you it’s never too early to start retirement…

>> Read Full Story

Real People. Real Stories.

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theresa
Theresa
Retired Since 2010
From New Jersey

george
George & Karen
Retired Since 2012
From Arizona

elaine
Portor & Elaine
Retired Since 2010
From California

darlene
Darlene
Retired Since 2015
From Kansas